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Im looking for some advice Piggybank,Sunny,Wonga

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Hi,

 

hopefully im in the right place im after a little advice without anybody judging me as finding it hard enough already

 

Age -22 (now)

 

Ive had a problem gambling addiction and have manged to cause myself around 10k+ of debt

Without the Loans and the credit cards ive been in a vicious circe with payday loans Such as

MyJar-2 Loans

wonga-11 Loans

Piggybank-8 Loans

Sunny- 9 Loans

Basicly taking one loan out to pay the other ect been going on for around 2 years now and wouldnt like to know how many loans ive received off the above 3.

now ive heard stories unsure if there correct people are recieving refunds due to irrisponsible lending (does this class as that or not)

Im not clued up with any of it so as much help as possible please.

 

Many thanks

Edited by Payday

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http://www.consumeractiongroup.co.uk/forum/showthread.php?455382-Were-you-caught-in-a-Pay-Day-Loan-Trap-You-may-be-able-to-make-a-claim

 

Have a read of the thread linked above.

 

If the companies were aware that you had other PDLs and that you were obviously rolling over the loans to make payments, then yes, you might have a claim for irresponsible lending.

 

You should check your credit files with the 3 main reference agencies to see if the companies did even the basis of credit checks before lending.

 

Have a read of other threads in this forum to see how they are approaching the companies and the Financial Ombudsman if you need to escalate your claims.


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Ive just activated experian-Creditexpert

 

i can see the 11 Wonga loans on there along with Barclays loan and credit cards and the 9 sunny loans but no piggybank or MyJar at all.. i dont really know what im looking for just trying to get myself out of the situation im currently in

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Ive just activated experian-Creditexpert

 

i can see the 11 Wonga loans on there along with Barclays loan and credit cards and the 9 sunny loans but no piggybank or MyJar at all.. i dont really know what im looking for just trying to get myself out of the situation im currently in

 

The reason you are looking at your files is to see what has been recorded in the first instance, and what searches were undertaken to assess your credit worthiness.

 

If you had a rubbish credit history, then lending you more money is irresponsible, yes ?

 

If they didn't do any searches, then this compounds their irresponsibility, yes ?


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BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Your score is: 237 out of 999

 

 

 

 

 

Settled accounts

 

 

Table showing settled accounts Lender Type Current status Balance Updated

WONGA COM Pay Day loans Closed £0 27/07/2014

WONGA COM Pay Day loans Closed £0 21/09/2014

WONGA COM Pay Day loans Closed £0 02/11/2014

WONGA COM Pay Day loans Closed £0 02/11/2014

WONGA COM Pay Day loans Closed £0 30/11/2014

WONGA COM Pay Day loans Closed £0 03/05/2015

WONGA COM Pay Day loans Closed £0 24/08/2014

WONGA COM Pay Day loans Closed £0 26/07/2015

WONGA COM Pay Day loans Closed £0 08/02/2015

WONGA COM Pay Day loans Closed £0 05/04/2015

WONGA COM Pay Day loans Closed £0 24/08/2014

BARCLAYS BANK PLC Loan Closed £0 01/06/2014

BARCLAYS BANK PLC Loan Closed £0 01/06/2014

BARCLAYS BANK PLC Loan Closed £0 01/06/2014

SUNNY - ELEVATE CREDIT INTL LTD Loan Closed £0 25/01/2015

SUNNY - ELEVATE CREDIT INTL LTD Loan Closed £0 31/05/2015

SUNNY - ELEVATE CREDIT INTL LTD Loan Closed £0 31/05/2015

SUNNY - ELEVATE CREDIT INTL LTD Loan Closed £0 31/05/2015

SUNNY - ELEVATE CREDIT INTL LTD Loan Closed £0 28/06/2015

SUNNY - ELEVATE CREDIT INTL LTD Loan Closed £0 28/06/2015

SUNNY - ELEVATE CREDIT INTL LTD Loan Closed £0 28/06/2015

SUNNY - ELEVATE CREDIT INTL LTD Loan Closed £0 26/07/2015

SUNNY - ELEVATE CREDIT INTL LTD Loan Closed £0 26/07/2015

The barclays loans are showing settled as put 3 into 1 which is still ongoing. thats all thats showing on there none from piggybank or Myjar

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So no searches from them either ?


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4: Staying Calm About Debt

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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There's showing 12 searches from Sunny but none from wonga?

 

Report Change Alert

 

An account has been added to or deleted from your credit report

What type of account has been added or removed?LOANWith:SUNNY - ELEVATE CREDIT INTL LTDShow more information

 

Is that classed as a search?

 

Months ago 123456789101112 Searches which affect your score

2

0

0

0

0

0

2

0

0

0

0

0

 

Think ive found what im after? wont let me see further back? also i have a defaulted or delinquent account on my loan too and was still approved thease

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It looks like you are on the right track, I am sure others with more knowledge of what you need to do will look in on you as soon as they can :)


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thankyou for your help like I say not clued up so as much help as possible :)

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Right, Im here after an SOS Request :p

 

Most PDLs use Callcredit which in turn has a free offshoot called Noddle, because its supposed to offer Real Time Account Info for Short Term Lending. However this was only setup and subscribed to a few years ago.

Also you have Clearscore which would be a good option to check to which is Equifax.

 

If they did searches and still lent to you even though you have paid off numerous loans in such a short period of time, I would suggest this is Irresponsible lending.

CitB has created a contact thread with info on all the top dogs on the PDL Tree and this is in my Signature. Looking at what it shows, I think that this maybe a large case of irresponsible lending especially after so many loans before and AFTER the cap on PDLs themselves.

 

How many loans do you have running at the moment and how many defaults are present across the board?

  • Haha 1

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At this moment, I see a massive weight on your side that if you play this right, could be to your advantage.

 

So, all these loans were used for gambling? If so then, right there that is irresponsible lending but your challenge would be to prove that this was the case.

Bank statement would be perfect, funds going in, funds going out.

 

This will be a long process but we will help every step of the way.

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Yes they was all for online gambling which I am not proud off.. The defaults are on my barclays loan from last year which I still owe 4,200 and have one on wonga one on sunny,

 

Basicly long story, still living with parents(mum) she's noticed and managed to close all my gambling accounts down, now leaves me with a list of payments to sort out.. So any help is taken seriously.. Yes my statements would show money coming in then straight out to online companies

 

basicly alsways managed to get the payment back to the pdl either via wages overdraft or another pdl to pay the other off, was a time or two where I had to freeze them cause couldn't afford and pay in instalments

 

I'm still unable to post pictures as of yet too

 

Here's what most statements look like over the months ;(

 

http://i64.tinypic.com/357koip.jpg

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Okay thats fine. What do you want to post up.

 

So our first step is to find out how many loans you've had, So maybe its emailling every company and asking for a full summary for free.

 

Or alternatively send a SAR Request for £10 each to every PDL Company and also to Barclays.

I would make a suggestion. Download ALL of your back statements for the last couple of years for free from Online Banking and then store them somewhere safe.

 

You need to see payments in, payments out to Gambling Companies and highlight these and link them to your loans.

 

From your attachment I can see Massive amounts of money being paid and received. B365? Bet365?

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That statement shows a lot of outgoings and one inc from sunny,

 

 

Do they usually supply for free or is it worth outlasting about £60 to the company's?

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It's because I'm currently on my phone statements show a lot clearer on the laptop as I don't recieve paper statements monthly just online

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Due to being new year tonight I don't have the time to do all the sifting tonight, but can rest assure I'll be up early tommorow sorting them out thankyou so much for the help and hope your able to continue into the new year many thanks

 

Have a good new year

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This is where im currently at Long process

 

INC OFF WONGA

20th June2014£200

2nd July 2014£400.00

29th Jul 2014£400.00

11th Aug 2014£400.00

8th September2014£400.00

19th September 2014£400.00

 

 

 

Paid Back to Wonga

30th june 2014£219.89

10th july 2014£442.00

9th Aug 2014£454.16

5th September2014£510.93

19th September 2014£458.22

 

 

INC SUNNY

26th august2014 £100

26th august 2014£400

1st September2014 £100.00

1st September2014£400.00

1st September2014£500.00

2nd September2014 £75.00

2nd September2014£200.00

3rd September2014£200.00

4th September2014£25.00

8h September2014£50.00

8h September2014£91.24

19th September 2014£104.15

 

 

 

Paid back SUNNY

5th September2014£153.31

 

 

Piggybank INC

 

4th September £50.00

9h September2014£150.00

22nd September 2014 £250.00

 

 

Piggybank Paid back

9h September2014£59.96

20th sept 2014£171.24

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I just wanted to say well done for facing up to this and well done to your mum for setting you on the right track. I really hope the gambling is behind you now. It's far too easy to do online and annoys me whenever I see ads for it. Well done you though. :)


 

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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I just wanted to say well done for facing up to this and well done to your mum for setting you on the right track. I really hope the gambling is behind you now. It's far too easy to do online and annoys me whenever I see ads for it. Well done you though. :)

 

 

hopefully myself too.. i stopped for a good 6month or so previosuly trying on my own till grand national day and no word of a lie thought 100% of my accounts was closed yet recieved a text hello bla bla bla and started up again.. (Good few month ago) but yeah been stopped a good few month again now and hoping to stay that way.. still 9,000 in debt at 22 but have to keep my head above the water and sort it out! many thanks

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I just wanted to say well done for facing up to this and well done to your mum for setting you on the right track. I really hope the gambling is behind you now. It's far too easy to do online and annoys me whenever I see ads for it. Well done you though. :)

 

Kind words from Caro :) By the way I am around, when youve finished looking at your statements please let me know.

I also want to talk about your bank...

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